Questions & Answers
Questions & Answers
8 available 8 • View allAvoiding civil proceedings by the bank upon criminal case closure
9
Q: Dear Sir,
I had a loan of AED 20,000 and I was paying my instalment every month until I lost my job. My outstanding amount was only AED 8000 by then, but hence I didn't have a job and I couldn't pay for 7 months.
However, as I found a new job I started to pay again but a case was filed already by this time. I was jailed for 2 days and I was presented to the courts where they gave me a fine of AED 2000, then I was released.
Now, the recovery department is calling me again and telling me to pay AED 14000 as they say that's my current outstanding amount. They say that a civil case will be filed if I fail to pay. So what will happen if they filed a civil case?
Please advice.

Feb 21, 2018
6748
Negotiating with the bank to restructure outstanding loan payment
6
Q: Hi,
I have taken a loan from the bank worth AED 450000. I lost my job in 2016 and was unable to pay the instalments, then left Dubai.
Bank people never contacted me and I left as I was unable to pay the monthly instalments. Now I am in India.
I have got another job in Dubai and I am very keen on joining it.
I contacted the bank through email asking their help to sort this, they asked me to call the call centre.
When I called the call centre no one was able to help me, they just said "we will get back to you", but no reply yet. For 1 month, they are not able to help me.
Now, I have to join my new job in Dubai asap, and unable to understand what to do. I am ready to pay half amount now and remaining half in instalments on monthly basis.
But I don't know whom to contact and how to get this sorted.
PS: I don't have any friend in Dubai who is ready to help me and go and negotiate with the bank on my behalf. I am just trying to call and sort on my own.
Please help and guide me.

Jul 17, 2018
4515
Failure to pay a personal loan and consequences of the civil case


26
Q: I am an engineer and I was working in a construction company in Dubai where I am based. I have issued a cheque of AED 150,000 for a personal loan with a bank.
Due to the lack of work and the company terminated me for 2 months, I am suffering from my personal loan and the bank filed a case now.
5 months back, they filed a case which I don't know for a travel ban and I was in jailed 4 and half days. After that, I paid AED 10000 to Dubai court after they released me.
I heard that civil cases now are not punishable again by jail sentence like before. Is it true?



Jun 12, 2019
11663
Hiring a lawyer to settle an outstanding debt while being outside the UAE
3
Q: I am looking to hire a lawyer to defend a civil case for a credit card. I have an unpaid outstanding credit card in the UAE.
I no longer live in the UAE and I desperately need legal advice on how to approach this and how to settle the outstanding debt once and for all. The bank has sent many emails threatening with civil action and a "lifetime" GCC travel ban.
In the next few months, I believe I can clear up the outstanding account but I need to know if it is still possible to settle the debt without criminal charges, I am scared that I am already banned from traveling and will be arrested at the airport if I ever return to Dubai.
Is it best to hire a lawyer to deal with this since I am not in the UAE?

May 23, 2021
1886
العودة إلى الإمارات رغم وجود قرض غير مُسدد
2
س: السلام عليكم،
كنت أعمل وحصلت على قرض من شركة تمويل بقيمة ٣٨٠٠٠ درهم بغرض السكن وكان لدي كريديت كارت بقيمة ١٥٠٠٠.
حدثت ظروف وسافرت إلى مصر. الشركة التي كنت أعمل فيها أغلقت وتسببت جائحة كورونا في إغلاق البلد ولم أتمكن من الرجوع.
أرغب حاليًا في الرجوع لأعمل وأسدد الدين لأنهم رفعوا دعوى ضدي والمبلغ ليس متوفر معي. هل يمكنكم أن تخبروني ما الإجراءات؟

Mar 9, 2022
570
How can you settle a case for loan default with the bank on low instalments?


1
Q: My husband has a case for a loan in Dubai with an amount of 1 million. He had a travel ban also.
How can we settle it?
The bank does not agree to settle it in a reasonable amount. We can't afford such an amount. What will we do?



Sep 27, 2022
345
معرفة ما إذا كان الشخص مطلوبًا بسبب شيكات غير مسددة


1
س: السلام عليكم،
كتبت شيكين مجموع قيمتهم 130 ألف درهم ولأسباب كثيرة لم أستطع سداد الشيكات وهي شيكات شخصية وذلك في العام 2017. قام المستفيد من الشيكات بفتح بلاغ في الشارقة ومن يومها لا أعلم إن كان هناك دعوى أم لا؟
هل هناك مدة معينة لتقادم الشيك وسقوط البلاغ؟ أم أن المدة مفتوحة؟
وكيف يمكنني التأكُّد إن كنت مطلوبًا في الإمارات؟ وهل يمكن أن يصدر حكم غيابي بدون علمي؟



Jan 7, 2023
250
Is it possible to reach a settlement with the bank to pay a loan in instalments?


1
Q: My friend has an overdue of approximately 23000 with the bank.
How much do they do a settlement for because they put a civil case against him and a travel ban also?



May 22, 2023
135
Legal blog
1 available 1 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities 26
The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.
Feb 12, 2019
18892
Laws & Regulations
3 available 3 • View allFederal Law No. (3) of 1987 Promulgating the Penal Code 29
This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.
Dec 8, 1987
47901
Federal Law No. (18) of 1993 Issuing the Commercial Transactions Law 19
This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.
Sep 7, 1993
33005
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.
Dec 15, 1985
148362

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My previous employer failed to pay my gratuity. Can I file a case 6 months after resignation? 0
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